{"id":4083,"date":"2020-03-05T12:20:24","date_gmt":"2020-03-05T12:20:24","guid":{"rendered":"https:\/\/detralytics.com\/?p=4083"},"modified":"2026-06-22T14:51:23","modified_gmt":"2026-06-22T14:51:23","slug":"semi-markov-multistate-individual-loss-reserving-model-in-general-insurance","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/publications\/semi-markov-multistate-individual-loss-reserving-model-in-general-insurance\/","title":{"rendered":"Semi-markov multistate individual loss reserving model in general insurance"},"content":{"rendered":"
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Semi-markov multistate individual loss reserving model in general insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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DetraNote 2020-1<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Introduction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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This paper proposes a multistate model with a Semi-Markov dependence structure describing the different stages in the settlement process of individual claims in general insurance. Every trajectory, from reporting to closure is combined with a modeling of individual link ratios to obtain the ultimate cost of each claim. Quantiles and other risk measures can then easily be obtained by simulation. A case study based on individual claim developments in a motor third party liability insurance portfolio illustrates the relevance of the proposed approach.<\/p>

Mots-cl\u00e9s :<\/span> <\/strong> IBNR, RBNP, RBNS, loss development, technical provisions, solvency calculation, financial reporting.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Secteur : <\/b>Assurance<\/p>

<\/b>Expertise: <\/b>Solvency calculation<\/p>

Auteurs :<\/b> Carole Bettonville,<\/p>

Robin Van Oirbeek,<\/p>

Michel Denuit &\u00a0 Julien Trufin<\/p>

\u00c9diteur :<\/b> Detralytics<\/p>

Date:<\/b> March 2020<\/p>

Langue :<\/b> Anglais<\/p>

Pages:<\/b> 29<\/p>

R\u00e9f\u00e9rence :<\/b> Detra Note 2020-1<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u00c0 propos des auteurs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Carole Bettonville<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Carole est Experte Freelance chez Detralytics. Au cours de ses diff\u00e9rentes missions, elle a travaill\u00e9 sur divers sujets tels que la calibration de mod\u00e8les de taux de rachat et de mortalit\u00e9, ainsi que sur un projet dans le cadre d\u2019IFRS 17 visant \u00e0 identifier une cl\u00e9 d\u2019allocation Best Estimate bas\u00e9e sur certaines caract\u00e9ristiques de sinistres. Avant de rejoindre Detralytics, Carole a effectu\u00e9 un stage chez AXA Belgium.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Michel\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Michel Denuit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Michel est conseiller scientifique chez Detralytics, ainsi que professeur en sciences actuarielles \u00e0 l\u2019Universit\u00e9 catholique de Louvain. Il dispose d\u2019une exp\u00e9rience internationale en tant que professeur invit\u00e9 et a men\u00e9 de nombreux projets en collaboration avec l\u2019industrie. Chez Detralytics, Michel accompagne les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Julien\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Julien Truffin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Julien est Scientific Advisor chez Detralytics et Professeur en sciences actuarielles au sein du d\u00e9partement de math\u00e9matiques de l\u2019Universit\u00e9 Libre de Bruxelles. Il poss\u00e8de une exp\u00e9rience en tant que consultant et un solide parcours acad\u00e9mique d\u00e9velopp\u00e9 au sein d\u2019institutions de renom, dont l\u2019Universit\u00e9 Laval (Canada), l\u2019UCL et l\u2019ULB (Belgique). Chez Detralytics, Julien encadre les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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This paper proposes a multistate model with a Semi-Markov dependence structure describing the different stages in the settlement process of individual claims in general insurance.<\/p>","protected":false},"author":1,"featured_media":1682,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[138,133],"tags":[131],"class_list":["post-4083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-138","category-publications","tag-detranote"],"yoast_head":"\nDetra Note : Semi-markov multistate individual loss reserving model<\/title>\n<meta name=\"description\" content=\"This paper proposes a multistate model with a Semi-Markov dependence structure describing the different stages in the settlement process of individual claims in general insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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